Applications / Mortgage Analytics / Lenders / Arizona / Hilton Financial
Phoenix, AZ · Independent non-bank lender · CFPB · 51 loans in 2025
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51
loans originated, 2025
67
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hilton Financial is a small Phoenix non-bank lender that mostly refinances, makes many manufactured-home loans and lends heavily in poorer neighborhoods.
Refinances made up 74.5% of its 51 loans, and every loan was conventional, without a government guarantee. Manufactured homes accounted for 17.6%, against none at the typical similar lender, meaning independent non-bank lenders making between half and twice as many loans. That share was higher than almost all of them.
Some 43.8% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.3% for similar lenders, the highest share among them. Its share of loans to LMI borrowers is not available. Manufactured-home lending, which tends to involve cheaper homes, may account for some of the neighborhood pattern.
Its loans fell 42% in 2025, to 51 from 88, while the typical similar lender held steady and the market grew 10%. Its volume has swung between 49 and 88 loans a year since 2018, so a single year says little about its direction.
Most of its markets are in Arizona, led by Phoenix-Mesa-Chandler, where it has lent since 2009 and ranked 349 of 879 lenders. It also lends in Cleveland and, since 2024, in rural Hawaii.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hilton Financial took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.5% · Purchase 25.5%
Conventional 100.0% · of 51 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 44 | 86.3% |
| Ohio | 6 | 11.8% |
| Hawaii | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 27 |
| Prescott Valley-Prescott | 11 |
| Cleveland | 6 |
| Flagstaff | 1 |
| Lake Havasu City-Kingman | 1 |
| Sierra Vista-Douglas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N860L1FESYGP70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4186902 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7860599790 |
Established date not on record. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Hilton Financial's data.
Hilton Financial's data
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Hilton Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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